Legal

This site is a general guide for those seeking information on Harmony General and the range of services it provides. Any definitions or statements contained herein WILL NOT replace the definitions and meanings in your Contract of Insurance.

For in-depth information, please feel free to contact us at any time.

TERMS & CONDITIONS
The following Terms and Conditions apply to users, viewers and all people who have access to this site. By using or viewing this site, you agree to its terms. If you do not agree, do not use this site.

RESTRICTIONS ON USE
Material from this site may not be copied, reproduced, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of HARMONY GENERAL INSURANCE COMPANY LTD. Neither title nor intellectual property rights are transferred to you by use of or access to this site; rather, all rights, title and interest in and to all aspects of the site remain the property of HARMONY GENERAL INSURANCE COMPANY LTD.. Material on this site is provided for lawful purposes only.

RESTRICTION OF LIABILITY
Under no circumstances shall HARMONY GENERAL INSURANCE COMPANY LTD., or its affiliates, subsidiaries, parent or related companies be liable for any damages whatsoever (including, but not limited to direct, incidental, consequential, indirect or punitive damages), harm, or injury that relate to, arise out of, or result from the use of, or access to, or the inability to use, any of the materials of this site, or are caused by any failure of performance, error, omission, interruption, defect, delay in operational transmission, computer virus or line failure. The material on this site could include technical inaccuracies or typographical errors. The materials on this site are provided "as is" and without warranties of any kind, express or implied. To the fullest extent permissible by applicable laws, HARMONY GENERAL INSURANCE COMPANY LTD. disclaims liability for negligence and disclaims all representations and warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. HARMONY GENERAL INSURANCE COMPANY LTD. does not warrant that the functions contained in the material be uninterrupted or error-free, that the contents will be correct, accurate or reliable, or that this site or the server that makes it available are free of viruses or other harmful components. You (and not HARMONY GENERAL INSURANCE COMPANY LTD.) assume the entire cost of all necessary servicing, repair or correction.

SUBMISSIONS
All remarks, suggestions, ideas, creative concepts, graphics, or other information communicated through this site or otherwise sent to HARMONY GENERAL INSURANCE COMPANY LTD. (together the Submission) will forever be the exclusive property of HARMONY GENERAL INSURANCE COMPANY LTD., who will not be required to treat the Submission as confidential, and will not be liable for any use or disclosure of the Submission, and need not provide any compensation or acknowledgement for the Submission.

JURISDICTION
This agreement shall be governed in accordance with the laws of Barbados. Except as described otherwise, all materials in this site are made available only to provide information about HARMONY GENERAL INSURANCE COMPANY LTD., which controls and operates this site from Lower Broad Street, Bridgetown, St. Michael, Barbados, West Indies and makes no representation that these materials are appropriate or available for use in other locations. If you use this site from other locations, you are responsible for compliance with the applicable local laws.

TRADEMARK INFORMATION
Any logos, and all other intellectual property used herein are owned by HARMONY GENERAL INSURANCE COMPANY LTD. and/or its affiliates, subsidiaries, parent or related companies. The use or misuse of these trademarks or any content of this site, except as provided above, is strictly prohibited.

PRIVACY STATEMENT
HARMONY GENERAL INSURANCE COMPANY LTD. respects the privacy of every individual who visits our website or responds to our online advertisements. This Privacy Policy outlines the type of information that HARMONY GENERAL INSURANCE COMPANY LTD. typically collects from our website and online advertisements, and how we may use that information.

At the HARMONY GENERAL INSURANCE COMPANY LTD. web site and online advertising, we may ask you for information such as your name, address, telephone number, date of birth and/or your e-mail address. From time to time you may also be asked whether you would like to provide additional information to be gathered by use of a "cookie" or similar file. Your agreement to and provision of information is completely voluntary.

When you do provide us with information, unless you are advised otherwise, we may use that information to improve our products and services; to tailor a web site or advertisement to better match your interests and preferences; as an entry for a contest or sweepstakes; or to contact you. We do not provide that information to third parties not affiliated with HARMONY GENERAL INSURANCE COMPANY LTD.

If you do not want information collected from our web site and online advertising, please do not agree to the collection of information, nor submit any information to us. If you have already submitted personal information and would like us to remove it from our records, please contact us at the e-mail address listed at the bottom of this Policy. At your request, the personal information you have provided us will be deleted from our existing files. Please note that with most Internet Browsers, you can erase cookies from your computer hard drive, block all cookies, or receive a warning before a cookie is stored. You should refer to your browser instructions or help screen to learn more about these functions.

Some non-personal information may be collected automatically. Examples of this type of information include the type of Internet Browser, the type of computer operating system used and the domain name from the web site from which you linked to our site or advertisement.

If you have submitted personal information through the HARMONY GENERAL INSURANCE COMPANY LTD. web site or online advertisement and would like that information deleted from our records, please email us. Upon your request, we will delete this personal information from our existing files. We are pleased that you have chosen to visit our site.